Transaction costs in Sweden are low

Taxation Researcher | May 01, 2021

How high are realtors´ and lawyers´ fees in Sweden? What about other property purchase costs?

Transaction Costs

Who Pays?
Stamp Duty 4.25% buyer
Registration Fee SEK 825 (€96) buyer
Agent´s Fee 3% - 5% seller
Costs paid by buyer 4.26%
Costs paid by seller 3% - 5%
See Footnotes
Source: Global Property Guide

How difficult is the property purchase process in Sweden?

There are no legal restrictions on foreigners buying property in Sweden.

The real estate transfer process is swift and easy. It initially involves the negotiation of a purchase agreement. At the same time, deed verification and a property survey occurs. Once an agreement is reached and the deed is validated and the property has been ´cleared´ by the surveyor. A purchase agreement/contract (Kapeavtal) is signed by the buyer and seller. The purchaser then pays a deposit ranging from 2% to 10% of the purchase price.

Upon the actual transfer of the property the parties, or their representatives meet and carry out apportionment of service charges, rent, interest, and insurance premiums, formalize the purchaser´s assumption of any loan related to the property (if so agreed) and the purchaser will pay the net purchase price in cash.

At this stage the vendor will issue a bill of sale (Kapebrev), stating that the transfer of title to the property has been completed and that the purchase price has been paid.

The transaction concludes when the buyer forwards the bill of sale to the Land Registration Authority and the transaction is made public and the transfer is acknowledged by the state.

In Sweden, the purchase of a residential property usually proceeds with only a broker´s or an agent´s services and does not necessarily involve the services of a lawyer.

It takes an average of 14 days to complete the sole procedure needed to register a property in Sweden.

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Footnotes to Transaction Costs Table

The round trip transaction costs include all costs of buying and then re-selling a property - lawyers´ fees, notaries´ fees, registration fees, taxes, agents´ fees, etc.

Stamp Duty:
Buyers pay the stamp duty at 4.25% of the property value.

Registration Fee
Buyers pay the registration fee of SEK825 (€96).

Real Estate Agent´s Fee
Real estate agent´s fee, paid by the seller, is generally negotiable between 3% and 5%.



Marco | October 12, 2020

IT is NOT That easy. We have tried to buy a place in sweden for the last 3 years. The problem is to make a transaction you have to have a swedish bank account and you will NOT get one unless you live there. The money laundry laws are not in your favor if you live in the USA. No banks wants to deal with you and when you finally get a hold of one. You will wait a month or so and they will come back and say their money laundry devission is not satisfied with your information. You cant just go over there and buy it in cash either. Then the person getting the cash cant put it in their bank unless they have all the proof.
So i am daring anyone out there to tell me im wrong and please tell us whats working in late 2020. Neither one of us are Swedish citizens. I'm a EU passport holder and wife is American. Good luck

Andrew Dowson | November 27, 2020

My partner and I have been looking into moving to Sweden from the USA in a few years, and I was wondering if you would be able to (without giving out personal information) more information about the money laundry division not being satisfied. Also, the fact that your comment is so new is what has both of us concerned about being able to move to Sweden altogether.

Marco | March 17, 2021

Andrew. Our thing is that we will not MOVE over yet. If you move over it will be easier for you. Then you can get your bank set up in sweden and you will be good to go. We are self employed and so the verification of our businesses are not as easy as some one working for a corporation. Funny enough, my wife deals with money laundry all day long. Shes an investment advisor. We were buying it with cash the hole amount and they still didnt want to help us out. Brokers say, you have to talk to the bank. The bank say, yo have to get a Personal number and be living in Sweden. Foreigners buying property in sweden with out living in sweden will not work. We cant buy an apartment with our own money without living there 51% of the year. Just came across this post, sorry for the delay andrew.

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